Search results

Sometimes golden handcuffs become more valuable the longer you stick around at work. For example, achieving a certain number of years of service may result in a much more attractive pension, stock options, or employer-subsidized health insurance. In these cases, I'm sure the handcuffs can make...

From previous jobs my wife and I both have TIAA retirement annuity contracts. They make up about 1/3 of our retirement assets at the moment, though that will decrease over time due to continuing contributions elsewhere in our retirement accounts. When forecasting our retirement income I've...

Recently I was fiddling with FIRECalc and I discovered something that kind of blew my mind. Consider these two scenarios: 1) For the next ~20 years (until age 55) I max out my 401k, my wife and I max out our Roth IRA's, and we cut back on our living expenses somewhat in order to build up our...

As someone who has been saving fastidiously since childhood, and maxing out my 401k since shortly after college, I have an embarrassing confession: I never really paid much attention to the allocation of funds in my 401k. I vaguely remember choosing some funds when I opened my account, and...

It seems like a lot of young folks aim to RE at 45. What's that about? Why not 42, 43, or 46? :) Whatever the reason, I've also chosen 45 as my target for ER. I'm almost 36, so I have 9 years to figure this stuff out. Here's my current situation: - Married, 2 kids < 5 years old - $237k...